--- title: Point Equity Blog (2) description: Homes are a big investment. Find out how to make your home loan work for you and your life. Learn what makes a great loan, how to spot opportunity, and how to get the most bang for your residential lending buck. (2) --- [![916-248-4620](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e) [![Apply Now](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df) [![Point Equity](https://www.pointequity.com/hs-fs/hubfs/Point_Equity_April2018/Images/point_logo3.png?width=120&name=point_logo3.png "Point Equity")](https://www.pointequity.com/) ** ![](https://cdn2.hubspot.net/hubfs/2029673/Assets/Search_Image.png) ## [CalHFA Dream For All!](https://www.pointequity.com/blog/dream-for-all) March 9, 2023 CalHFA Set to Offer Families Up to 20% Down Through Shared Equity Program. [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 3 MIN READ ## [FHA Issues MIP Reduction](https://www.pointequity.com/blog/fha-mip-reduction) March 2, 2023 A significant reduction in mortgage insurance premium fees has been issued for ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 3 MIN READ ## [8 Benefits of Conventional Home Loans](https://www.pointequity.com/blog/common-benefits-of-a-conventional-loan) September 27, 2022 A conventional loan is a safe, transparent loan that follows the rules put in ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 4 MIN READ ## [How do property taxes work in California?](https://www.pointequity.com/blog/how-do-property-taxes-work-in-ca) September 9, 2022 California properties are among the more desirable in the nation, which can ... [Money Matters](https://www.pointequity.com/blog/tag/money-matters), [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 6 MIN READ ## [Top 3 Differences Between Conventional & Government Loans](https://www.pointequity.com/blog/top-3-differences-between-conventional-government-loans) August 18, 2022 If you’re shopping for loans, you might be wondering what the differences are ... | 2 MIN READ ## [Getting On the Same Page: A Home Buying Survival Guide for Couples](https://www.pointequity.com/blog/getting-on-the-same-page-a-home-buying-survival-guide-for-couples) July 22, 2022 The number of couples living together unmarried has nearly tripled since the ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle), [Finances](https://www.pointequity.com/blog/tag/finances), [Money Matters](https://www.pointequity.com/blog/tag/money-matters), [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 6 MIN READ ## [5 Expenses that Often Surprise First Time Home Buyers](https://www.pointequity.com/blog/5-expenses-that-often-surprise-first-time-home-buyers) July 6, 2022 A 2022 Zillow survey revealed that 75% of recent homebuyers regret buying a ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 10 MIN READ ## [How First Time Home Buyers Can Beat the Competition](https://www.pointequity.com/blog/how-first-time-home-buyers-can-beat-the-competition) May 19, 2022 Does if feel like everyone else is making cash offers on the houses you go see ... [Purchase](https://www.pointequity.com/blog/tag/purchase) | 9 MIN READ ## [First Time Homebuyer FAQ: The Starter Home vs Forever Home Dilemma](https://www.pointequity.com/blog/first-time-homebuyer-faq-the-starter-home-vs-forever-home-dilemma) May 5, 2022 Will this be the year you become a homeowner? You ask this question because you ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 5 MIN READ ## [What's a Healthy House Payment for My Income?](https://www.pointequity.com/blog/whats-a-healthy-house-payment-for-my-income) April 21, 2022 One question comes up right away when anyone decides to buy a home: How much ... [Purchase](https://www.pointequity.com/blog/tag/purchase) | 6 MIN READ ## [When is it Smart to Ask For a Seller Concession?](https://www.pointequity.com/blog/when-is-it-smart-to-ask-for-seller-concession) April 7, 2022 In a hot housing market people selling their homes are less likely to pay for ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 6 MIN READ ## [Why Timing the Market Is So Much Harder Than It Seems](https://www.pointequity.com/blog/why-timing-the-market-is-so-much-harder-than-it-seems) March 24, 2022 It's possible that getting a bargain is part of our collective DNA. Consider ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ## [Risky Real Estate Offers Resurfacing](https://www.pointequity.com/blog/risky-real-estate-offers-resurfacing) March 11, 2022 Whether you're looking to purchase a new home or already own one, you may run ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ## [How Rising Interest Rates Affect the Housing Market](https://www.pointequity.com/blog/how-rising-interest-rates-affect-the-housing-market) February 23, 2022 Rising interest rates bring a lot of expectations, and assumptions, about how ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 4 MIN READ [Previous](https://www.pointequity.com/blog/page/1) [All posts](https://www.pointequity.com/blog/all) [Next](https://www.pointequity.com/blog/page/3) ## Related Posts ### Subscribe Here! # 60 Second Pre-Approval Quiz [![Get Started](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/8e444da4-4d9f-4bc3-b5f7-82c96e54682b.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/8e444da4-4d9f-4bc3-b5f7-82c96e54682b) ### Subscribe to Email Updates [![point_logo](https://www.pointequity.com/hs-fs/hubfs/point_logo.png?width=1849&name=point_logo.png "point_logo")](https://www.pointequity.com) Point Equity Residential Lending 915 Highland Pointe Dr. Suite 160 Roseville, CA 95678   [Local: (916) 248-4620](tel:9162484620) [Toll Free: (888) 551-5110](tel:9995515110) Fax: (916) 914-2306 [info@pointequity.com](mailto:info@pointequity.com) ##### [Buy a Home](https://www.pointequity.com/buy-a-home) ##### [Refinance](https://www.pointequity.com/refinance) ##### [About Us](https://www.pointequity.com/about-us) ##### [Join the Team](https://www.pointequity.com/join-the-team) ##### [Contact Us](https://www.pointequity.com/contact-us) ##### [Resources](https://www.pointequity.com/blog) ### Subscribe to our Newsletter! Point Equity Residential Lending, NMLS ID 1404205. [NMLS Consumer Access Link](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1404205)    Main Office is at 915 Highland Pointe Dr. Suite 160, Roseville, CA 95678. Telephone Number: 916-248-4620. Equal Housing Lender. Licensed in: California (60DBO-56023 & 01987090), Idaho (MBL-2081404205), Washington (CL-1404205). Information, rates, and programs are subject to change without notice and may not be available in all states. This is not an offer to enter into an agreement. All products are subject to credit and property approval.   © Copyright  2020 Point Equity Residential Lending | [Privacy Policy](https://www.pointequity.com/privacy-policy) | [Disclaimer](https://www.pointequity.com/disclaimer)   All information contained herein is for informational purposes only, and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. Equal Housing Opportunity. [**](https://www.facebook.com/pointequity/) [**](https://www.linkedin.com/company/pointequity/) [**](https://www.instagram.com/pointequity/)